Personal Umbrella

Umbrella, or excess liability, is an often misunderstood but increasingly critical component of a well-designed insurance program. A bit of a misnomer, umbrella coverage is designed to respond when the underlying liability limits of your various other policies have been exhausted by a claim.

Traditionally umbrella policies were thought of as only for successful individuals. Today, we help clients understand the value of excess liability at any stage of success in their lives. The reason? Umbrella coverage, as a function of premium paid for dollars of protection, is relatively inexpensive. Adding increments of a million dollars of coverage through excess liability can result in a total limit that is much more suitable in today’s day and age, where lawsuits and their dollar amounts seem to know no limit.

Why You Should Consider an Umbrella Policy:

Property Damage and Bodily Injury

  • If someone is injured on your property and you are found liable; if you are liable for damage to another’s property; or, if through the use of an automobile, you cause bodily injury or property damage, the limits on your homeowners or automobile policies can quickly become exhausted.

Personal Injury

  • Some carriers will include coverage that applies to lawsuits involving accusations of libel or slander.

Excess Uninsured / Underinsured (UM/UIM) Motorists Protection

  • In the event that you become injured by a driver who is not carrying insurance or whose limits of liability are insufficient, you can collect under your own umbrella policy to bridge the gap.

We suggest a full review to assess your current and future assets in comparison to your current limits of liability to decide if an umbrella policy can add value to your program. Our Account Managers and Executives can help.

Get a Quote!

For the fastest and most accurate quote, please fill in our form below and one of our team members will be in contact with you soon.

Your Personal Insurance Program Team

"Our experience with Sara was terrific.  She really understands the products, understood our needs and was very responsive, articulate and sophisticated. ... Sara is a true professional and I would highly recommend her to anyone who is seeking first class service.  Thank you!"


Theresa Einhorn - Conway, New Hampshire

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Con-DO or Con-DON’T – Condo Insurance ...

There are some advantages to condominium living. One, people feel, is that the association handles insurance so they skip the hassle of having to arrange their own coverage.  While that’s true to some degree, as with most things in life, it’s more complicated than it appears. There are traps for the unwary. To know what the association is going to take care of you need a copy of the by-laws and the master deed. These documents should be made available to your insurance advisors in order that they may design your coverage to coordinate with the “master policy”.

Questions to ask yourself when determining what kind of coverage you need:

  • Will the master policy cover the parts of the unit that you own? – Many associations are obligated to purchase property insurance that covers all building elements including those owned by an individual.  Others are not and the master policy covers only commonly owned elements of buildings.  The master deed identifies commonly owned elements and delineates the boundaries of individually owned units.  The by-laws indicate the association’s obligation.
  • What deductible has been chosen for the master policy? – If damage occurs in your unit only there is little doubt you will be responsible for the deductible even if the master policy provides coverage.  Many associations choose higher deductibles than an individual would be comfortable with in order to keep condo fees low.
  • Who will provide coverage if you improve your unit by adding higher end cabinetry, counter tops or other enhancements? – The master deed and by-laws will answer this question.
  • What is your exposure for assessments due to uncovered or inadequately covered damage to common elements or high deductibles?
  • Is your investment protected in the event of a total loss? – Again, look to the master deed and by-laws as well as the limit available under the master policy.
  • What will you need to adequately cover your personal property and your personal liability exposures? – Of course, the association will not provide any protection in these areas.  They are usually handled with a Condominium Unit Owners Policy.
  • Is the master policy written on a specialized condominium form? – Forms and endorsements have been developed for condominiums that recognize the special relationship of unit owners and the association in relation to the insurer.  These forms are important in reducing the exposures of individual unit owners.

Don’t assume. Whatever you do, don’t assume that your condo association has you covered. Do some research, get answers and get peace of mind.


Fireplace Maintenance

Your fireplace looks beautiful and adds warmth to your home. It can also be a fire hazard, though. Protect your home and family as you enjoy the beautiful ambiance when you follow a fireplace maintenance schedule and implement safety tips this winter.

Check the Chimney

An essential part of your fireplace, the chimney needs a thorough inspection once a year. Hire a professional to look for cracks and other damage and to clean out combustible buildup like creosote. Then, secure a spark-arrestor screen to the chimney as you prevent dangerous sparks from escaping and damaging animals from entering.

Start the Fire Safely

Before you light a relaxing fire, open the flue. Start the fire with only approved materials like newspaper and dry logs. Once you have the fire going, don’t use it to burn holiday gift wrapping or grill food.

Maintain the Screen or Door

Every fireplace needs a safety screen or glass door. It prevents sparks from flying into your home and discourages your children or pets from reaching into the fireplace. Ensure the screen is constantly in place and free from any damage as you reduce accidental burns and other injuries.

Remove Combustibles

Flammable rugs, draperies, paper and other combustibles should be located at least three feet away from the fireplace. Otherwise, these combustible materials could cause a fire.

Use the Right Tools

Metal tools safely adjust logs and remove ash. Store them near the fireplace (but out of your children’s reach!)

Provide Proper Supervision

Always supervise your fire. If left unattended, sparks could start a fire in your home or your children or pets could walk into the bright but hot embers.

Remove Ash and Coal Properly

A one-inch layer of ash in the firebox insulates the fire. To remove excess ash or coals, wait until they’re completely cool. Use an ash vacuum or metal shovel, and place the materials in a secure metal container outdoors.

You’ll safely enjoy your fireplace all season when you use proper fireplace maintenance procedures. For more fireplace safety tips, visit This Old House online. Keeping your home in top condition can actually help reduce your insurance premiums. Give us a call today to update your home insurance policy and provide a layer of protection for your family and house.